6 Key UK Pet Insurance Statistics for 2025

Pet insurance is a critical consideration for many UK dog and cat owners as it provides financial support for costly veterinary treatment during emergencies or unexpected health issues. With veterinary costs rising, understanding the insurance landscape helps responsible owners make informed decisions.

1. How Many UK Dogs Are Insured?

The proportion of insured dogs in the UK has been steadily increasing. While historical surveys like the PDSA 2018 suggested around 57% of dogs had insurance, and the Association of British Insurers (ABI) found 33% in 2017, newer data from 2024 shows more than 4.6 million insured pets in total, reflecting a clear trend upward in pet insurance uptake.

Owners of larger breeds such as the Great Dane often find insurance particularly valuable due to the high costs associated with breed-specific health issues.

2. How Many UK Cats Are Insured?

Cat insurance remains less common, with past figures from the ABI indicating as many as 84% of UK cats uninsured as of 2017. The perception of cats as low-maintenance, relatively self-sufficient pets contributes to fewer UK cat owners opting for insurance. However, around 1.3 million cats are insured, and growing veterinary expenses are prompting more owners to consider coverage.

3. What Are the Average Annual Costs of Pet Insurance in 2025?

In 2025, the average annual cost for pet insurance in the UK is estimated around £124 to £145 for dogs and slightly less for cats, with monthly premiums averaging £12 for dogs. These costs vary widely depending on factors such as breed, age, health history, and location.

For example, breeds with higher health risks like the French Bulldog typically have higher premiums due to common conditions like breathing and eye problems.

4. What Is the Average Cost of a Pet Insurance Claim?

The average claim cost in 2025 is approximately £668 to £685. Veterinary treatments can range from minor conditions costing a few hundred pounds to complex surgeries and chronic disease management costing several thousand pounds. This rising claim cost reflects veterinary inflation and advances in treatment options.

5. How Much Do Insurers Pay Out Annually?

In the UK, pet insurers pay out over £1.23 billion in claims annually, a significant increase from previous years. Dogs account for the majority of claims, followed by cats and other pets. This figure has doubled over the last decade, showing the growing reliance on insurance to cover ever-increasing veterinary fees.

6. How Breed Affects Pet Insurance Costs in the UK

Breed is a major factor influencing pet insurance premiums. Larger breeds prone to joint and heart conditions, such as Bullmastiffs and Great Danes, face higher costs, with annual premiums around £270 to £290. Brachycephalic (flat-faced) breeds like English Bulldogs and French Bulldogs carry even higher premiums, often exceeding £660 annually due to respiratory and ocular health issues.

Conversely, crossbreeds and certain medium-sized dogs tend to benefit from lower insurance costs, aligning with generally better overall health.

Additional Insights: UK Pet Insurance Trends in 2025

The UK pet insurance market is expected to continue growing rapidly with a compound annual growth rate (CAGR) of approximately 16.2% from 2025 to 2030, potentially doubling market size within five years. Increasing pet ownership, rising veterinary costs, and greater awareness of emergency preparedness contribute to this expansion.

Despite rising premiums, pet insurance remains an essential financial safeguard, helping owners provide the best possible veterinary care. The use of flexible, customisable policies and digital tools improves accessibility and coverage options. Responsible pet ownership increasingly includes considering insurance to ensure pets receive timely, high-quality care without financial stress on their families.

By choosing reputable insurers and understanding your pet's specific needs, you can find policies that fit your budget and offer valuable peace of mind.